The Study On The Problems Of Green Credit Of Commercial Banks In China

Environmental protection has become a hot issue of common concern in today’s world,in the reform and adjustment of the international economic environment, more and morepeople pay attention to climate change, energy and resources security, biological diversity andother environmental problems. These issues pose a serious challenge to human beings,especially in China due to rely on the extensive economic growth mode, hazardous events onthe environment occurrence high. So the transformation of the mode of economic growth, atthe same time, strengthen the protection of the conservation of energy resources and theecological environment has become the main theme of the times.The sustainable development of economy, change to the environment friendly, is theinevitable choice of the road of China’s economic development. But China’s commercialbanks is an important financial hub, its important role should be to fulfill the unification ofeconomic responsibility, social responsibility and environmental responsibility. Theinternational financial field has formed the equator principles are easy to operate. Using theprinciple of financing control, guide the credit funds flow, encourage the funds to flow intothe environmental protection, clean energy, green industry. Green credit is to develop this ideabased on. It represents the financial institutions to achieve a win-win economic developmentand environmental friendly. China’s commercial banks is an adjustment of credit structure,control, a good opportunity to avoid environmental risks. Internal can enhance their owncompetitiveness, foreign can promote sustainable development of the national economy,alleviate the severe situation of environmental deterioration.This paper is based on the green credit as the research object, based on relevant foreigngreen credit research, the connotation of the green credit to do a more clearly defined, andelaborates the theoretical support for the green credit. In the third, four chapter focuses on theanalysis of the present situation and existing problems of the development of commercialbanks in China green credit, through the game analysis method, find out the reason anddevelopment of commercial banks in China Green Credit lag. Finally, the absorption offoreign green credit experience, puts forward the countermeasures to deepen the green creditshould take the commercial banks in our country.